Average homeowners insurance cost in West Virginia

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, West Virginia homeowners insurance costs $1,886 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in West Virginia.

Key Takeaways

Homeowners insurance costs an average of $1,886 a year, based on Insure.com analysis.
Of all the ZIP codes in West Virginia, 26505 has the most affordable home insurance rates at around $1,471 annually.
In West Virginia, Allstate provides the most affordable home insurance at an average annual premium of $1,681.

Average home insurance cost in West Virginia by coverage level

Homeowners insurance costs $1,886 a year in West Virginia for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in West Virginia will increase to $2,324 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in West Virginia for dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,443	$120
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,465	$122
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,886	$157
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,911	$159
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,324	$194
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,354	$196
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,235	$270
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,271	$273
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,098	$425
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,146	$429

Homeowners insurance companies in West Virginia determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.

If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in West Virginia

It’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.

We evaluated homeowners insurance providers in West Virginia by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, State Farm received the lowest NAIC score and an AM Best rating of A++. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
State Farm	$1,745	A++	0.95	5
Allstate	$1,681	A+	0.9	4.99
Auto Club Group – ACG (AAA)	$1,876	A	0.29	4.82
Westfield Insurance	$2,118	A	0.29	4.59
Nationwide	$1,682	A+	0.87	4.12
Progressive	$2,661	A+	8.45	2.78

Average homeowners insurance cost by company in West Virginia

Allstate has the cheapest homeowners insurance rates in West Virginia. Its average annual cost for West Virginia homeowners is $1,681. Nationwide and State Farm also offer affordable insurance.

By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.

The table below shows the average annual and monthly insurance rates for homeowners in West Virginia with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,681	$140
Nationwide	$1,682	$140
State Farm	$1,745	$145
Auto Club Group – ACG (AAA)	$1,876	$156
Erie Insurance	$2,104	$175
Westfield Insurance	$2,118	$177
Progressive	$2,661	$222
USAA*	$1,218	$102

*USAA is only available to military community members and their families.

West Virginia homeowners insurance rates by ZIP code

Insurance providers in West Virginia factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.

To get the best deal on homeowners insurance rates in West Virginia, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in West Virginia

Homeowners insurance costs in West Virginia can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 26505 area has the most affordable insurance rates, at $1,471 annually or $123 monthly.

Below are the homeowners insurance rates for the most affordable ZIP codes in West Virginia.

ZIP code	Average annual rate	Average monthly rate
26505	$1,471	$123
26554	$1,483	$124
26501	$1,521	$127
26506	$1,525	$127
26301	$1,527	$127
26543	$1,531	$128
24901	$1,540	$128
26378	$1,545	$129
26559	$1,551	$129
26572	$1,561	$130

Most expensive ZIP codes for home insurance rates in West Virginia

In West Virginia, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 25666 ZIP pay the highest insurance rates in West Virginia, with an average annual premium of $2,452.

Below is a list of some of the most expensive ZIP codes in West Virginia for homeowners insurance.

ZIP code	Average annual rate	Average monthly rate
25666	$2,452	$204
25674	$2,425	$202
25511	$2,416	$201
25671	$2,392	$199
25512	$2,374	$198
25638	$2,357	$196
25047	$2,348	$196
25669	$2,345	$195
25692	$2,343	$195
25625	$2,328	$194

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in West Virginia by city

See rates in your city

Huntington

Home insurance rate trend in West Virginia

We analyzed home insurance rate trends in West Virginia and found that homeowners insurance rates experienced an overall increase of 6% or $105, from 2022 to 2023.

The following data highlights the changes in homeowners insurance rates since 2019.

2019 rates	2022 rates	2023 rates
$1,852	$1,781	$1,886

Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in West Virginia.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.